:root {
  --navy: #0b2a66;
  --navy-dark: #071b45;
  --silver: #6b7078;
  --silver-light: #d9dde3;
  --sky: #e8f2fc;
  --white: #ffffff;
  --ink: #1b2433;
  --gold: #b8892b;
  --radius: 6px;
  --serif: Georgia, "Times New Roman", serif;
  --sans: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--navy); color: #fff; padding: .75rem 1rem; z-index: 100;
}
.skip-link:focus { left: 0; }

/* Header banner */
.banner img { width: 100%; }

/* Nav */
.nav {
  background: var(--navy);
  position: sticky; top: 0; z-index: 50;
  border-bottom: 3px solid var(--silver-light);
}
.nav ul {
  list-style: none; margin: 0 auto; padding: 0;
  max-width: 1100px; display: flex; flex-wrap: wrap;
  justify-content: center; gap: .25rem 1.75rem;
}
.nav a {
  display: block; padding: .85rem .25rem; color: #fff;
  text-decoration: none; font-weight: 600; font-size: 1rem;
}
.nav a:hover { text-decoration: underline; text-underline-offset: 6px; }
.nav .nav-cta a {
  background: var(--gold); color: #fff; padding: .5rem 1.1rem;
  margin: .35rem 0; border-radius: var(--radius);
}
.nav .nav-cta a:hover { text-decoration: none; background: #a07720; }

/* Layout */
.wrap { max-width: 1100px; margin: 0 auto; padding: 0 1.25rem; }
section { padding: 4rem 0; }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .75rem; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.2rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }
.lede { font-size: 1.2rem; max-width: 62ch; }

/* Hero */
.hero { background: linear-gradient(180deg, var(--sky), var(--white)); padding: 4rem 0 3.5rem; }
.hero .wrap { display: grid; gap: 2.5rem; grid-template-columns: 1.3fr 1fr; align-items: center; }
.hero-card {
  background: var(--navy); color: #fff; padding: 1.75rem;
  border-radius: var(--radius); border-top: 5px solid var(--gold);
}
.hero-card h2 { color: #fff; font-size: 1.4rem; }
.hero-card ul { margin: 0 0 1.25rem; padding-left: 1.1rem; }
.hero-card li { margin-bottom: .4rem; }

.btn {
  display: inline-block; background: var(--navy); color: #fff;
  padding: .9rem 1.6rem; border-radius: var(--radius);
  font-weight: 700; text-decoration: none; border: 0; cursor: pointer;
  font-size: 1.05rem; font-family: var(--sans);
}
.btn:hover { background: var(--navy-dark); }
.btn-gold { background: var(--gold); }
.btn-gold:hover { background: #a07720; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }

/* Services */
.services { background: var(--white); }
.service-grid { display: grid; gap: 2rem 3rem; grid-template-columns: repeat(3, 1fr); margin-top: 2rem; }
.service { border-top: 4px solid var(--navy); padding-top: 1rem; }
.service p { color: #3a4456; }

/* Help band */
.help { background: var(--sky); }
.help-grid { display: grid; gap: 2.5rem; grid-template-columns: 1fr 1fr; }
.help ul { padding-left: 1.2rem; margin: 0; }
.help li { margin-bottom: .6rem; }

/* How it works */
.steps { list-style: none; counter-reset: step; padding: 0; margin: 2rem 0 0; display: grid; gap: 1.5rem; grid-template-columns: repeat(3, 1fr); }
.steps li { counter-increment: step; padding-left: 3.25rem; position: relative; }
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: 0;
  width: 2.4rem; height: 2.4rem; border-radius: 50%;
  background: var(--navy); color: #fff; font-family: var(--serif);
  font-weight: 700; display: grid; place-items: center;
}
.steps strong { display: block; color: var(--navy); font-family: var(--serif); font-size: 1.15rem; }

/* Badge */
.badge-band { background: var(--sky); padding: 2.5rem 0; }
.badge-band .wrap { display: flex; justify-content: center; }
.badge-band img { width: 220px; max-width: 60%; height: auto; }

/* Contact */
.contact { background: var(--navy); color: #fff; }
.contact h2 { color: #fff; }
.contact-grid { display: grid; gap: 3rem; grid-template-columns: 1fr 1.2fr; align-items: start; }
.contact a { color: #fff; }
.contact-details { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.contact-details li { margin-bottom: .75rem; }
.contact-details span { display: block; color: var(--silver-light); font-size: .95rem; }

form {
  background: #fff; color: var(--ink); padding: 2rem;
  border-radius: var(--radius); border-top: 5px solid var(--gold);
}
label { display: block; font-weight: 600; margin-bottom: .3rem; }
.field { margin-bottom: 1.1rem; }
input[type=text], input[type=email], input[type=tel], select, textarea {
  width: 100%; padding: .75rem; font-size: 1rem; font-family: var(--sans);
  border: 1.5px solid #9aa3b2; border-radius: var(--radius); background: #fff; color: var(--ink);
}
textarea { min-height: 110px; resize: vertical; }
.row { display: grid; gap: 1rem; grid-template-columns: 1fr 1fr; }
.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .92rem; line-height: 1.5; }
.consent input { margin-top: .3rem; width: 1.15rem; height: 1.15rem; flex-shrink: 0; }
.consent label { font-weight: 400; margin: 0; }
.form-note { font-size: .88rem; color: #4a5568; margin: 1rem 0 0; }
.hp { position: absolute; left: -9999px; }

/* Footer */
footer { background: var(--navy-dark); color: #cfd6e4; padding: 2.5rem 0; font-size: .92rem; line-height: 1.6; }
footer a { color: #fff; }
footer .disclaimer p { max-width: 95ch; }
footer .legal-links { margin-top: 1rem; }

/* Simple pages */
.page { padding: 3rem 0 4rem; }
.page .wrap { max-width: 820px; }
.page h2 { margin-top: 2rem; font-size: 1.5rem; }

@media (max-width: 860px) {
  .hero .wrap, .help-grid, .contact-grid { grid-template-columns: 1fr; }
  .service-grid, .steps { grid-template-columns: 1fr; }
  .row { grid-template-columns: 1fr; }
  section { padding: 3rem 0; }
  .nav ul { justify-content: flex-start; padding: 0 1rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}